Part of your credit score is calculated by taking a look at your credit history. If you don't have many entries on your reports, or if you have a number of late or missing payments, your score will be effected negatively. So Academy Credit's Bill Reporter allows you to build a positive credit history each time you make an on-time payment.

  1. Paying your bills on time affects your credit more than any other factor. So, it only makes sense to have all your bills reported.
  2. When your payments are reported, this helps to strengthen your credit profile, and will give more accurate information for credit scoring systems.
  3. The more positive credit you have; the less the negative credit will hurt you.
  4. Having all your monthly payments reporting on time will help improve your credit.
  5. Building positive credit can help you in so many ways. When making any major purchases, the first thing all lenders look at is your credit history.
  6. Having bad credit prevents you from getting school loans, car loans, house loans, every type of loan you apply for.
  7. Having good credit can save you thousands of dollars in interest charges on your home and auto loans.
  8. Good credit can even lower the finance charges on your debt.
  9. It helps you to build your credit. Your traditional credit reports and scores do not include on-time commonly recurring bill payments such as rent, insurance, cable, phone, remittances, day care, child support, and utilities. PRBC is the only credit bureau that enables you to build your credit by having your on-time bill payment and payday advance repayment history reported on your behalf.
  10. It helps you save money. Building a positive PRBC bill payment history and Bill Payment Score demonstrates your creditworthiness and fiscal responsibility. Having a positive PRBC bill payment history can save you thousands of dollars on a mortgage, hundreds of dollars on an auto loan, insurance, and other major purchases, and can also save you from having to post a deposit when applying for utility hook-up and phone service.
  11. It helps you because enrollment and basic PRBC services are free. PRBC does not charge you a fee to self-enroll, accept account and payment information from approved PRBC Data Providers, view your PRBC data, or resolve disputes about information reported about your accounts by PRBC Data Providers. If you wish to build a bill payment history by providing historical payments to PRBC, there may be a nominal fee to verify those historical accounts and payments.

We believe in offering you the best service and one-on-one attention, but we also want to take it one step further. It's also our goal to give you the guidance and eduacation you need regarding credit repair so that you can understand exactly how it all works and how Academy Credit is perfectly suited to help you. That said, further your understanding of how our Bill Reporter service (included with every membership) can help you along your path to improved credit.

Bill Reporter Overview
What can I report?
What is PRBC?
How will reporting my bills help me?
Can I cancel?

newspaper

Get a sneak peek at one of the many benefits of membership. Sign up to receive our free information newsletter. There are no strings attached and you can easily unsubscribe at any time.



view our license    

Share Academy Credit Info on Facebook Follow AcademyCredit on Twitter